{"id":15937,"date":"2023-03-08T00:00:00","date_gmt":"2023-03-08T00:00:00","guid":{"rendered":"https:\/\/cms.alj3.clients.lemonhq.io\/perspectives\/%d8%a7%d9%84%d8%b4%d9%85%d9%88%d9%84-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a-%d8%ad%d8%b1%d9%8a%d8%a7%d8%aa-%d9%88%d9%81%d8%b1%d8%b5-%d8%a8%d9%84%d8%a7-%d8%ad%d8%af%d9%88%d8%af\/"},"modified":"2026-03-18T17:19:05","modified_gmt":"2026-03-18T17:19:05","slug":"%d8%a7%d9%84%d8%b4%d9%85%d9%88%d9%84-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a-%d8%ad%d8%b1%d9%8a%d8%a7%d8%aa-%d9%88%d9%81%d8%b1%d8%b5-%d8%a8%d9%84%d8%a7-%d8%ad%d8%af%d9%88%d8%af","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/ar\/perspectives\/%d8%a7%d9%84%d8%b4%d9%85%d9%88%d9%84-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a-%d8%ad%d8%b1%d9%8a%d8%a7%d8%aa-%d9%88%d9%81%d8%b1%d8%b5-%d8%a8%d9%84%d8%a7-%d8%ad%d8%af%d9%88%d8%af\/","title":{"rendered":"\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a &#8230; \u062d\u0631\u064a\u0627\u062a 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name=\"_ftnref1\">[1]<\/a>. \u0648\u064a\u0639\u0646\u064a \u0630\u0644\u0643 \u0623\u0646 <em>\u0631\u0628\u0639 \u0633\u0643\u0627\u0646 \u0627\u0644\u0639\u0627\u0644\u0645<\/em> \u062a\u0642\u0631\u064a\u0628\u0627\u064b \u0644\u0627 \u064a\u0645\u0643\u0646\u0647\u0645 \u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0645\u0627\u0644 \u0623\u0648 \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636 \u0628\u0634\u0643\u0644 \u0622\u0645\u0646\u060c \u0648\u0627\u0644\u0623\u0647\u0645 \u0645\u0646 \u0630\u0644\u0643 \u0623\u0646\u0647 \u0644\u0627 \u064a\u0645\u0643\u0646\u0647\u0645 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u0637\u0631\u064a\u0642\u0629 \u062a\u0646\u0642\u0630\u0647\u0645 \u0645\u0646 \u0627\u0644\u0648\u0642\u0648\u0639 \u0636\u062d\u0627\u064a\u0627 \u0644\u0628\u0631\u0627\u062b\u0646 \u0627\u0644\u0641\u0642\u0631.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-106664\" src=\"https:\/\/media.alj.com\/app\/uploads\/2023\/03\/1824-ALJ-Financial-Inclusion-300x300.jpeg\" alt=\"\" width=\"426\" height=\"426\" \/>\u0644\u0627 \u0634\u0643 \u0623\u0646 \u0627\u0644\u0645\u0627\u0644 \u0644\u064a\u0633 \u0645\u062c\u0631\u062f \u0623\u0648\u0631\u0627\u0642 \u0623\u0648 \u0642\u0637\u0639 \u0645\u0639\u062f\u0646\u064a\u0629 \u0623\u0648 \u0623\u0631\u0642\u0627\u0645 \u062a\u0638\u0647\u0631 \u0639\u0644\u0649 \u0627\u0644\u0634\u0627\u0634\u0629. \u0641\u0628\u0627\u0644\u0645\u0627\u0644 \u062a\u062a\u062d\u0642\u0642 \u0627\u0644\u062d\u0631\u064a\u0629 &#8230; \u0648\u0628\u0647 \u062a\u062e\u0644\u0642 \u0627\u0644\u0641\u0631\u0635 &#8230; \u0648\u0628\u0647 \u0646\u0628\u0644\u063a \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644.<\/p>\n<p>\u0648\u062a\u0624\u0643\u062f \u0627\u0644\u0623\u0645\u0645 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0623\u0646\u0647 \u0628\u062f\u0648\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a 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src=\"https:\/\/media.alj.com\/app\/uploads\/2023\/03\/1824-ALJ-Financial-Inclusion2-scaled.jpeg\" alt=\"\" width=\"2560\" height=\"1465\" \/><\/p>\n<p>\u062d\u0648\u0627\u0644\u064a 131 \u0645\u0644\u064a\u0648\u0646 \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0645\u062a\u0646\u0627\u0647\u064a\u0629 \u0627\u0644\u0635\u063a\u0631 \u0648\u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u062d\u062c\u0645 \u0627\u0644\u062a\u064a \u062a\u0639\u0645\u0644 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u062a\u0641\u062a\u0642\u0631 \u0625\u0644\u0649 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0645\u0648\u064a\u0644\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0641\u0631\u0636 \u0639\u0644\u064a\u0647\u0627 \u0642\u064a\u0648\u062f\u0627\u064b \u0648\u0627\u0636\u062d\u0629 \u0644\u0627\u0633\u064a\u0645\u0627 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\u0645\u0641\u064a\u062f\u0627 \u0644\u0644\u0637\u0631\u0641\u064a\u0646\u060c \u062d\u064a\u062b \u062a\u0633\u0627\u0639\u062f \u0623\u0643\u062b\u0631 \u0645\u0646 2000 \u0634\u0631\u0643\u0629 \u0639\u0644\u0649 \u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0646\u0645\u0648\u060c \u0645\u0639 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621.<\/p>\n<p>\u0643\u0645\u0627 \u062a\u062a\u0644\u0642\u0649 \u0634\u0631\u0643\u0629 \u0641\u064a\u062c\u0648\u0628\u0627\u0631\u0627 <a href=\"https:\/\/jimco.com\/en\/portfolio\/figopara\/\">Figopara<\/a> \u0627\u0644\u062a\u0631\u0643\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062f\u0639\u0645 \u0645\u0646 \u0634\u0631\u0643\u0629 \u0639\u0628\u062f 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\u0627\u0644\u0623\u0648\u0633\u0637 \u0648\u0630\u0644\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u0623\u064a \u0623\u0648 \u0623\u0633 \u0648\u0623\u0646\u062f\u0631\u0648\u064a\u062f \u0648\u0648\u064a\u0628 \u0648\u0627\u0644\u062a\u064a \u062a\u0645\u0643\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0646 \u0634\u0631\u0627\u0621 \u0648\u0628\u064a\u0639 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0648\u0631\u0642\u064a\u0629 \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0631\u0629.<\/p>\n<p>\u0643\u0645\u0627 \u0642\u0627\u0645\u062a \u0634\u0631\u0643\u0629 \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644 \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0641\u064a \u0645\u0646\u0635\u0629 \u0644\u064a\u0646 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 <a href=\"https:\/\/jimco.com\/en\/portfolio\/lean-technologies\/\">Lean Technologies<\/a> \u0648\u0627\u0644\u062a\u064a \u064a\u0642\u0639 \u0645\u0642\u0631\u0647\u0627 \u0641\u064a \u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u0647\u064a \u0639\u0628\u0627\u0631\u0629 \u0639\u0646 \u0645\u0646\u0635\u0629 \u062a\u0631\u0628\u0637 \u0628\u064a\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0648\u062a\u0633\u0639\u0649 \u0625\u0644\u0649 \u0625\u0646\u0634\u0627\u0621 \u0628\u0631\u0627\u0645\u062c \u0635\u062f\u064a\u0642\u0629 \u0644\u0644\u0645\u0637\u0648\u0631\u064a\u0646 \u0644\u0631\u0628\u0637 \u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0634\u0643\u0644 \u0622\u0645\u0646 \u0628\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u0639\u0645\u0644\u0627\u0626\u0647\u0627. \u0648\u062a\u062a\u064a\u062d \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u062a\u0648\u0627\u0641\u0642 \u062a\u0645\u0627\u0645\u0627\u064b \u0645\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629\u060c \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0645\u0639 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0645\u0642\u062f\u0645\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0646\u0635\u0629 \u0648\u0627\u062d\u062f. \u0648\u0647\u064a \u0645\u0646\u0635\u0629: &#8211; Lean Universal API<\/p>\n<p><iframe loading=\"lazy\" src=\"\/\/www.youtube.com\/embed\/V9hyTxtVsdM\" width=\"560\" height=\"314\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/p>\n<p>\u0648\u0644\u0627 \u062a\u0645\u062b\u0644 \u0643\u0644 \u0647\u0630\u0647 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0633\u0648\u0649 \u062e\u0637\u0648\u0627\u062a \u0628\u0633\u064a\u0637\u0629 \u0639\u0644\u0649 \u0637\u0631\u064a\u0642 \u0631\u062d\u0644\u0629 \u062a\u062d\u0641\u064a\u0632 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0641\u064a \u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0627\u0644\u0639\u0627\u0644\u0645 \u2013 \u0648\u0647\u064a \u0627\u0644\u0631\u062d\u0644\u0629 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0639\u0644\u064a\u0646\u0627 \u062c\u0645\u064a\u0639\u0627\u064b \u0623\u0646 \u0646\u0634\u0627\u0631\u0643 \u0641\u064a\u0647\u0627. \u0641\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0627 \u064a\u0639\u0646\u064a &#8220;\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0646\u0641\u0642\u0627\u062a&#8221; \u0648\u062d\u0633\u0628\u060c \u0628\u0644 \u064a\u0639\u0646\u064a \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062d\u0631\u064a\u0629 \u0648\u0627\u0644\u0623\u0645\u0646 \u0648\u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644\u060c \u0648\u0643\u0630\u0627 \u0628\u0644\u0648\u063a \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0645\u062b\u0644\u0649 \u0644\u0643\u0633\u0628 \u0627\u0644\u0639\u064a\u0634 \u0644\u0645\u0646 \u0647\u0645 \u0641\u064a \u0623\u0645\u0633 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u064a\u0647\u0627.<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n","protected":false},"featured_media":15931,"menu_order":0,"template":"","class_list":["post-15937","perspectives","type-perspectives","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a ... \u062d\u0631\u064a\u0627\u062a \u0648\u0641\u0631\u0635 \u0628\u0644\u0627 \u062d\u062f\u0648\u062f - Abdul Latif Jameel<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a ... \u062d\u0631\u064a\u0627\u062a \u0648\u0641\u0631\u0635 \u0628\u0644\u0627 \u062d\u062f\u0648\u062f 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href=\"https:\/\/usafacts.org\/articles\/who-is-the-least-likely-to-have-a-bank-account-in-the-us\/\">https:\/\/usafacts.org\/articles\/who-is-the-least-likely-to-have-a-bank-account-in-the-us\/<\/a><\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.unsgsa.org\/financial-inclusion\">https:\/\/www.unsgsa.org\/financial-inclusion<\/a><\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\"><\/a>7 <a href=\"https:\/\/www.ey.com\/en_cz\/news\/2018\/01\/improved-financial-inclusion-could-boost-global-bank-revenues-by-us-200b\">https:\/\/www.ey.com\/en_cz\/news\/2018\/01\/improved-financial-inclusion-could-boost-global-bank-revenues-by-us-200b<\/a><\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\"><\/a>.[8] <a href=\"https:\/\/www.ey.com\/en_cz\/news\/2018\/01\/improved-financial-inclusion-could-boost-global-bank-revenues-by-us-200b\">https:\/\/www.ey.com\/en_cz\/news\/2018\/01\/improved-financial-inclusion-could-boost-global-bank-revenues-by-us-200b<\/a><\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\"><\/a>9 <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/brief\/achieving-universal-financial-access-by-2020\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/brief\/achieving-universal-financial-access-by-2020<\/a><\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\"><\/a>10 <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#2\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#2<\/a><\/p>\n<p><a href=\"#_ftnref11\" name=\"_ftn11\"><\/a>11 <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a><\/p>\n<p><a href=\"#_ftnref12\" name=\"_ftn12\"><\/a>12 <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a><\/p>\n<p><a href=\"#_ftnref13\" name=\"_ftn13\"><\/a>13 \u00a0<a href=\"https:\/\/www.lazardassetmanagement.com\/uk\/en_uk\/references\/fundamental-focus\/financial-inclusion\">https:\/\/www.lazardassetmanagement.com\/uk\/en_uk\/references\/fundamental-focus\/financial-inclusion<\/a><\/p>\n<p><a href=\"#_ftnref14\" name=\"_ftn14\"><\/a>14 <a href=\"https:\/\/www.moneyandbanking.com\/commentary\/2017\/11\/5\/banking-the-unbanked-the-indian-revolution\">https:\/\/www.moneyandbanking.com\/commentary\/2017\/11\/5\/banking-the-unbanked-the-indian-revolution<\/a><\/p>\n<p><a href=\"#_ftnref15\" name=\"_ftn15\"><\/a>15 <a href=\"https:\/\/www.gsma.com\/mobilefordevelopment\/blog\/findex-2021-data-why-mobile-money-is-now-a-mainstream-financial-service\/\">https:\/\/www.gsma.com\/mobilefordevelopment\/blog\/findex-2021-data-why-mobile-money-is-now-a-mainstream-financial-service\/<\/a><\/p>\n<p><a href=\"#_ftnref16\" name=\"_ftn16\"><\/a>16 <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#3\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#3<\/a><\/p>\n<p><a href=\"#_ftnref17\" name=\"_ftn17\"><\/a>17 <a href=\"https:\/\/www.worldbank.org\/en\/news\/feature\/2015\/08\/05\/peru-launches-national-financial-inclusion-strategy-to-expand-financial-inclusion\">https:\/\/www.worldbank.org\/en\/news\/feature\/2015\/08\/05\/peru-launches-national-financial-inclusion-strategy-to-expand-financial-inclusion<\/a><\/p>\n<p><a href=\"#_ftnref18\" name=\"_ftn18\"><\/a>18 <a href=\"https:\/\/www.weforum.org\/agenda\/2022\/05\/new-technologies-improve-financial-inclusion\/\">https:\/\/www.weforum.org\/agenda\/2022\/05\/new-technologies-improve-financial-inclusion\/<\/a><\/p>\n<p><a href=\"#_ftnref19\" name=\"_ftn19\"><\/a>19 <a href=\"https:\/\/www.weforum.org\/agenda\/2022\/05\/new-technologies-improve-financial-inclusion\/\">https:\/\/www.weforum.org\/agenda\/2022\/05\/new-technologies-improve-financial-inclusion\/<\/a><\/p>\n<p><a href=\"#_ftnref20\" name=\"_ftn20\"><\/a>\u00a020\u00a0<a href=\"https:\/\/www.unsgsa.org\/financial-inclusion\">https:\/\/www.unsgsa.org\/financial-inclusion<\/a><\/p>"],"_business_sector":["field_66f6b5bcac8cb"],"business_sector":["\u0627\u0644\u0637\u0627\u0642\u0629 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0628\u064a\u0626\u064a\u0629"],"_content_series":["field_66fe3c439f8f6"],"content_series":[""],"_old_post_id":["field_66fe3fd59f8f7"],"old_post_id":["106702"],"_short_title":["field_60925d67125ef"],"short_title":["\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a ... \u062d\u0631\u064a\u0627\u062a \u0648\u0641\u0631\u0635 \u0628\u0644\u0627 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